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Developer API Agreement

Last updated: March 2026

1. The API Program

The RizPay Developer API allows you (the "Partner") to integrate Nigerian bill payment services into your application. Under this program:

  • You integrate the RizPay REST API into your own application
  • You are responsible for your end users and how they authenticate with your application
  • You are responsible for how your users fund their accounts (e.g. bank transfer, card, USSD)
  • RizPay processes bill payment transactions on your users' behalf when called via your API
  • You earn a margin per successful transaction, credited to your RizPay wallet

2. Your RizPay Account

To use the Developer API you must maintain an active RizPay business account with:

  • A funded RizPay wallet (your wallet is debited per transaction at the base rate)
  • Active API credentials from your account dashboard
  • Compliance with applicable Know Your Customer (KYC) requirements

3. API Keys

Your API credentials authenticate all requests to the RizPay API. You are responsible for:

  • Keeping your credentials confidential at all times
  • Rotating credentials immediately if you believe they have been compromised
  • Not sharing credentials across applications or environments (use sandbox credentials for testing)
  • Not embedding credentials in client-side code or public repositories

RizPay is not liable for any loss or damage arising from your failure to secure your API keys.

4. Webhooks

If you configure webhooks, you are responsible for:

  • Verifying webhook signatures using your signing secret before processing any event
  • Processing each event only once, even if received multiple times
  • Not exposing webhook payloads to unauthorised parties

5. Your Users

You are solely responsible for your end users. This includes:

  • Ensuring your users comply with applicable laws when using bill payment services
  • Collecting and storing any KYC/AML information required for your use case
  • Managing your users' accounts and how they fund them
  • Providing your users with adequate support for your application

RizPay processes transactions on your behalf but is not responsible for your users' activities or for any disputes between you and your users.

6. Pricing and Margins

Your earnings are calculated as the difference between the amount you charge your users and the base rate you are billed by RizPay. Margin rates and wallet funding requirements are as agreed with the RizPay team at the time of onboarding and are visible in your account dashboard. RizPay reserves the right to update base rates with reasonable notice.

7. Acceptable Use

You may not use the RizPay API to:

  • Process transactions for activities prohibited under Nigerian law or applicable regulations
  • Circumvent fraud detection or KYC requirements
  • Resell API access to third parties without prior written permission from RizPay
  • Conduct load testing or automated scraping against production endpoints without prior approval

8. Intellectual Property

RizPay grants you a limited, non-exclusive, non-transferable licence to use the RizPay API solely for the purpose of integrating bill payment services into your application. You may not reverse-engineer, decompile, or create derivative works based on the RizPay API or platform.

9. Limitation of Liability

To the fullest extent permitted by law, RizPay's liability to you under this agreement is limited to the total fees paid by you to RizPay in the three months preceding the event giving rise to the claim. RizPay is not liable for any indirect, incidental, or consequential losses, including loss of revenue or data.

10. Termination

Either party may terminate this agreement by giving 30 days' written notice to the other. RizPay may suspend or terminate API access immediately, without notice, for:

  • Violation of these terms
  • Activities that pose a security or compliance risk to the platform or its users
  • Non-payment or persistent insufficient wallet balance

On termination, you must immediately cease using the RizPay API and delete all API keys. Outstanding margin earnings accrued before the termination date will be settled in accordance with the standard settlement process.

11. Governing Law

This agreement is governed by the laws of the Federal Republic of Nigeria. Any dispute arising out of or in connection with this agreement shall be subject to the exclusive jurisdiction of the courts of Nigeria. Both parties agree to attempt to resolve disputes informally before initiating formal proceedings.

12. Changes to This Agreement

RizPay may update these terms from time to time. We will notify you of material changes by email or through your account dashboard. Continued use of the API after the effective date of any change constitutes acceptance of the updated terms.

For questions about this agreement, contact [email protected]